Holyheld Card vs OKX Card: 2026 Comparison
Comparing Holyheld Card and OKX Card on fees, cashback, custody, and where each card is available.
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The short version:
OKX rates 4.2/5, ahead of Holyheld at 3.6/5. The gap is 0.6 of a point: a few line items in the formula, not a different class of card. What moves the score for OKX: no issuance or annual fee, 2-10% cashback (VIP tiers).
Holyheld:
OKX:
Side by side
| Feature | Holyheld Card 3.6 out of 5, Sweepbase rating Get card Holyheld Card | OKX Card 4.2 out of 5, Sweepbase rating Get card OKX Card |
|---|---|---|
| Overview | ||
| Card type | Debit card; the current pages do not say whether it is virtual, physical or both, and publish no card tiers | Virtual only |
| Network | Debit, card network not named on Holyheld's current pages | Mastercard Debit |
| Custody | Hybrid: the Terms say Holyheld provides no custodial services and you connect your own wallet, but the card spends from…The fine print
| Custodial |
| Costs | ||
| Issuance fee | Not published: the personal pricing page lists only the membership and transfer fees | Strength: Free |
| Annual fee | CHF 0 a year for the personal membership, by invitation; no card fee is published | Strength: Free |
| FX fee | Not published: the Terms list no card FX fee and say fees are notified in the account, and the pricing page lists only…The fine print
| 0.1% conversion spread in the EEA, no transaction or FX fee; Brazil has no FX fee or IOF, and buying stablecoins with BRL costs up to 1.5% |
| Rewards | ||
| Cashback | Strength: Not published | Strength: 2-10% (VIP tiers) |
| Yield on spendable balance | No | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Not published: Holyheld's current personal page, pricing page and Terms do not mention Apple Pay or Google Pay | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | Strength: IBAN yes, a personal IBAN through Holyheld's partnersThe fine print
| Strength: SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | Not published on Holyheld's current pages | Based on verification and tier |
| ATM withdrawal limit | Not published on Holyheld's current pages | Not available (virtual card only) |
| Top-up methods | Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)The fine print
| USDC or USDG held in OKX Pay (EEA); USDG, USDC or USDT in OKX Pay, bought with BRL if needed (Brazil) |
| Regions | Not published by country. Personal membership is by invitation, and the current Terms govern users who are residents of, or located in, Switzerland | EEA + Brazil |
| Behind the card | ||
| Card issuer | Unlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Inferred, not stated by the issuer | Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms |
| Our read | ||
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Which scores higher
Nothing in the formula favours Holyheld over OKX. What the formula cannot see is where you live and what you spend on: if Holyheld is sold in your country and OKX is not, that settles it, and the Regions row above is where to check.
Holyheld vs OKX: FAQ
OKX Card scores higher on the Sweepbase formula, at 4.2/5. What moves the score: no issuance or annual fee, 2-10% cashback (VIP tiers). The formula does not know where you live or how you spend, so check availability and fees for your own case.
Holyheld Card: issuance Not published: the personal pricing page lists only the…, annual CHF 0 a year for the personal membership, by invitation, Not published: the Terms list no card FX fee and say fees… OKX Card: issuance Free, annual Free, 0.1% conversion spread in the EEA, no transaction or FX fee. You can compare total annual cost using our fee calculator.
Holyheld Card: Not published cashback. OKX Card: 2-10% cashback (VIP tiers). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Holyheld Card: Hybrid custody. OKX Card: Custodial. Each card page quotes how its terms describe who holds the funds.
Holyheld Card supports Apple Pay and Google Pay. OKX Card supports Apple Pay and Google Pay.
Holyheld Card: no published availability list. OKX Card: EEA + Brazil. Check each card's detail page for the full country list.